HMRC can now extract financial data directly from smartphones during investigations—banking apps, receipt photos, WhatsApp conversations about quotes. All accessible. The risk isn't illegal activity. It's disorganization looking like concealment. Protection: Separate business/personal apps completely. Use proper accounting software, not phone notes. Document everything formally, never via messaging apps.

Discover how HMRC evaluates employment status of subcontractors in construction. Learn steps to protect your business from employment status risks.

Many directors wonder what salary level makes the most sense from a tax perspective. For the 2026/27 tax year, the answer remains largely the same as previous years, but the reasoning has some nuances depending on your company’s situation. This post breaks down the key points to help directors decide the most tax-efficient salary to pay themselves.

Employees can claim tax relief on expenses that are wholly, exclusively, and necessarily incurred in performing their job duties. This means the expense must be directly related to the work they do, not just helpful or convenient.

When an individual’s adjusted net income goes over £100,000, they start losing their personal allowance and access to the government’s tax-free childcare top-up. This can lead to unexpected tax bills and reduced benefits. But could reducing income actually help clients keep more money overall? This post explores how understanding personal allowance rules and adjusted net income can help you guide clients to better financial outcomes.

Published: 6th March 2026 As the tax year ends on 5 April, many people take a moment to organise their finances and plan their savings for the year ahead. This period offers a perfect opportunity to review where your money is, decide how much to set aside, and find accounts that fit your financial goals. Whether you’re planning to save part of a bonus, a one-off payment, or regular income, choosing the right savings account can make a significant difference. Organising saving